65721 — Christian County, Missouri Market Snapshot
Housing market data for zip code 65721 in Christian County, Missouri. Updated monthly with median prices, days on market, and more.
Market Sales Data
163 sales in 2026 (year to date)
Median Sale Price
$349,900
Days to Sell
28
Homes Sold
163
Inventory
128
Sale-to-List
91.3%
New Listings
222
Price/SqFt
$179
Pending Sales
192
Conforming Loan Available
Most homebuyers in 65721 can comfortably use conventional financing. The median home price of $349,900 is well below the 2026 conforming loan limit of $832,750, meaning buyers can put as little as 3-5% down without hitting jumbo loan territory.
Market Insights
Market Temperature
Homes in 65721 are moving quickly at 28 days on market, indicating healthy buyer demand. Well-priced homes are likely seeing multiple offers.
Sale-to-List Ratio
The average home in 65721 sells for 8.7% below asking price (91.3% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 65721 can comfortably use conventional financing. The median home price of $349,900 is well below the 2026 conforming loan limit of $832,750, meaning buyers can put as little as 3-5% down without hitting jumbo loan territory.
Loan limits in 65721 are set at the county level.
2026 Loan Limits — Christian County
| Property Units | Conforming Limit | FHA Limit |
|---|---|---|
| 1 Unit | $832,750 | $541,287 |
| 2 Units | $1,066,250 | $693,050 |
| 3 Units | $1,288,800 | $837,700 |
| 4 Units | $1,601,750 | $1,041,125 |
Affordability Snapshot — Zip 65721
To purchase the median home at $349,900 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,831.
Monthly Payment
$2,831
Income Required
$121,321
Principal & Interest
$2,156/mo
Down Payment (5%)
$17,495
Based on 30-year fixed at 6.75%, 1.8% property tax, $1,800/yr insurance, 28% DTI guideline.
Mortgage Calculator
Estimate your monthly payment for a home in 65721.
Estimated Monthly Payment
$2,315
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